Patriot National Bancorp (NASDAQ:PNBK) and Credicorp (NYSE:BAP) Head-To-Head Comparison

Credicorp (NYSE:BAP) and Patriot National Bancorp (NASDAQ:PNBK) are both finance companies, but which is the superior business? We will compare the two businesses based on the strength of their earnings, valuation, analyst recommendations, profitability, dividends, institutional ownership and risk.

Insider and Institutional Ownership

89.8% of Credicorp shares are owned by institutional investors. Comparatively, 39.3% of Patriot National Bancorp shares are owned by institutional investors. 15.9% of Credicorp shares are owned by company insiders. Comparatively, 12.8% of Patriot National Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Analyst Ratings

This is a summary of current ratings for Credicorp and Patriot National Bancorp, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Credicorp	0	2	4	1	2.86
Patriot National Bancorp	1	0	0	0	1.00

Credicorp presently has a consensus price target of $431.80, indicating a potential upside of 18.05%. Given Credicorp’s stronger consensus rating and higher probable upside, equities research analysts plainly believe Credicorp is more favorable than Patriot National Bancorp.

Profitability

This table compares Credicorp and Patriot National Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Credicorp	N/A	N/A	N/A
Patriot National Bancorp	N/A	N/A	N/A

Valuation & Earnings

This table compares Credicorp and Patriot National Bancorp”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Credicorp	N/A	N/A	N/A	$26.99	13.55
Patriot National Bancorp	N/A	N/A	N/A	($0.07)	-11.84

Patriot National Bancorp is trading at a lower price-to-earnings ratio than Credicorp, indicating that it is currently the more affordable of the two stocks.

Summary

Credicorp beats Patriot National Bancorp on 7 of the 7 factors compared between the two stocks.

About Credicorp

Credicorp Ltd. provides various financial, insurance, and health services and products primarily in Peru and internationally. It operates through Universal Banking, Insurance and Pensions, Microfinance, and Investment Banking and Equity Management segments. The Universal Banking segment grants various credits and financial instruments to individuals and legal entities; and various deposits and current accounts. The Insurance and Pensions segment issues insurance policies to cover losses in commercial property, transport, marine vessels, automobiles, life, health, and pensions; and management services for private pension funds. The Microfinance segment provides management of loans, deposits, and current accounts for small and microenterprises. The Investment Banking and Equity Management segment is involved in provision of brokerage and investment management services for corporations, institutional investors, governments, and foundations; structuring and placement of issues in the primary market; execution and negotiation of transactions in the secondary market; and structuring of securitization processes for corporate customers and manages mutual funds. The company was founded in 1889 and is headquartered in Lima, Peru.

About Patriot National Bancorp

Patriot National Bancorp, Inc. operates as the holding company for Patriot Bank, N.A. that provides community banking services to individuals, small and medium-sized businesses, and professionals. The company accepts consumer and commercial deposit accounts, such as checking, interest-bearing negotiable order of withdrawal, money market, time certificates of deposit, savings, prepaid deposit, on-line national money market, individual retirement accounts, and health savings accounts, as well as certificate of deposit account registry service. Its loan portfolio comprises commercial real estate, commercial business, small business administration, construction, purchased residential real estate, and various consumer loans. The company also offers automated clearing house transfers, lockbox, internet banking, bill payment, remote deposit capture, debit card, money order, traveler's check, and automatic teller machine services. Patriot National Bancorp, Inc. was founded in 1994 and is headquartered in Stamford, Connecticut.